Hi everyone, A bit of basic background info, I bought a TV off Currys back in Feb 09, which simply stopped working overnight, it is a Toshiba madel and from what I can see the fault seems to happen quite often. The TV just decided it would not turn on and the light on the front flashes (if you google it you'll get an idea of what I mean ) I wrote to Currys back in October, including all the info I could find online along with a copy of the original receipt and a copy of the new receipt to prove I had to go and buy another TV, which again I bought from them I have had to call them 3 times as I have received no communication from them and I'm getting pretty sick of it, everytime I call them they advise someone will be calling us back and it never happens . . . . Can anyone help me put together a letter quoting SOGA or something along these lines as I am sure that it should not take over a month to respond or even acknowledge us. Any help would be brilliant, thanks all

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Hi all I just had a letter today from Clarity Credit (I know it sounds like a health spar) telling me they will use all means to collect the outstanding debt. I quote: "Your personal data will be used for thepurposes of collecting the outstanding balance from you and may also be combined with other data which may be obtained from THIRD PARTIES where we need to verify or supplement such data" Cheeky Idiots !!

Hello Fellow Caggers !! I am back !!! Brief reminder is about the basics here, BMS got assigned (paid 1p for) a debt from Barclays, which as I mentioned before became statue barred by their own admission in the letter on 30/06/09 . . . Sent the standard statue barred letter to them (still have the signed POD). . . . and heard . . . . get ready for this . . . . NOTHING Now one year on and I have received a lettter from a company called CLARITY (sounds like a health spar) giving me notice that on 30/06/10 Apex Credit Management bought my debt, then passed it onto the health spar to chase . . . Being extra polite to me they have asked me to contact them to "discuss mutually agreeable terms" . . . . So my questions really are . . . where BMS allowed to sell this debt ??? . . . . Has anyone every heard of APEX or CLARITY ?????? I have a letter which I got from the forum here which I was thinking of sending . . . what do you guys think ??? Also could somebody give me some good points to place in it about selling or buying a debt over 6 years old after being told it was statue barred ??? . . . I will also be reporting them to the OFT BMS/CLARITY/APEX Dear Sir/Madam For the purposes of clarity and the avoidance of doubt, please take careful note of the following: 1. This letter is sent to you to avoid any “miscommunication” and to give an unequivocal statement of intent. 2. This letter does not acknowledge any debt owed to you or your affiliates, agents, owners or otherwise. 3. I understand this debt was last acknowledged over 6 years ago and falls within the remit of s.5 of the Limitation Act 1980 (which, in case you need reminding, states that an action founded on simple contract shall not be brought after 6 years from the date on which the cause of action occurred). 4. I wrote to BMS on (xxxxxx) explaining that I had no wish to pay towards a debt that was barred by the Statute Of Limitations Act 1980, this was signed for by BMS on (xxxxxxx) A copy of the recorded delivery confirmation is attached along with a copy of the original letter to yourselves. 5. I am now of the view that your actions are of pure harassment and in breach of CPUTR 2008 in line with the Office Of Fair Tradings guidance on debt collection. 6. The same guidance states it is unfair to pursue a payment after a debtor has already stated they will not be paying due to it being statute barred. I am informing you as previously BMS, that even if the debt were mine, I would not pay it. 7. I am sure you are also aware of the provisions of the Protection from Harassment Act, which makes it an offence to harass a person with a demand for payment, or concerting with others to do the same. Whilst the Act provides relief, it is available only where it is permissible in law to take the offending action (which, as pointed out, it is not lawful as it is statute barred), as well as that action being reasonable. I trust the above is perfectly clear and I now expect you to forward me your official complaints procedures within 7 days or written confirmation that the matter is now closed. Failure to do so will result in me filing complaints with the Office Of Fair Trading, The Financial Ombudsman Service and Trading Standards. I hope this letter makes my position COMPLETELY clear Yours faithfully THANKS IN ADVANCE

Brilliant, thanks for that

The email sent is as follows: Further to our meeting and with regards to the position agreed in principal, can you please confirm in writing via email that the information below is correct, prior to the transfer request being generated and fully approved by myself and while I am awaiting appropriate written confirmation from HR of the job position. The starting date at xxxxx will be 2nd August 2010 With a salary increase of £xxxxpa Working hours of xxxxxx Monday to Friday Working additionally 1 in 4 Saturdays of xxxxx Key Duties: Hidden due to my identity Regards I have kept copies and printed them also to show they were sent, I also have copied in my current manager . . . my place seems to dangle a carrot in front of the donkey (aka ME) . . . If I don't receive a response by Wednesday I will send them an email to reject the position . . . as I just don't trust them, I have seen them do it to too many people and the fact they won't respond to me email worries me

Hi everyone, I have a strange one here, I have worked in my current position for 6 years and I asked the area manager I work for to give me the opportunity to progress. They came back to me and offered me a new role with a pay increase starting 2nd August. The problem is I have emailed the manager who is offering me the job twice asking for confirmation in writing of the position and pay increase (unfortunately they are renound for making promises they can't keep). My emails are being ignored and with less than 2 weeks I have no written confirmation of the job, working hours, pay increase or key duties. Yet they still expect me to start on the 2nd August. I spoke to my HR departement who were as useful as an underwater hairdryer. They have said to just leave it, things should be fine . . . even though they have no confirmation of the change in position or wages. They have said the new principal statement for the job may not be generated until after I start the new position . . . . which could mean I end up without the agreed terms that were discussed in me accepting the job, i.e the wage increase. Today I sent an email stating everything discussed with the manager who offered me the job, copying in the Area Director, stating I require confirmation in writing agreeing the terms discussed prior to my position being changed. Still no response . . . My current manager is happy for me to stay in my current position, but I want to know where I stand . . . I have signed nothing and as I have nothing in writing do I still have the right to officially decline the new position, without it causing any problems . . . . . apart from the obvious one that they may not be very happy with me . . . ???

Lol, that's what I was thinking, i can see they still haven't had their licence renewed either !!! Dirty tricks from them, I can also see that they normally like statue barred debts, so they probably bought one of mine for 1p and I'm sure will want the whole lot . . . . . . Some how I think not

Howdy everyone, Long time no speak !!! I thought I was job done after my influx from DCA's last year . . . . stupid me !! Ruthbridge have today wrote to me . . . . doesn't tell me what it's about, just a standard please contact us, ref (extra long number) . . . or I might get an agent calling out (sounds like something out of men in black). Firstly I would again like to thank you in advance for al your help, some of you have been a fab support over the past few years !!!! So I know all my debts are statute barred, I believe my last one was statute barred in 2009. So a couple of questions . . . Who are they likely to be chasing a debt for ??? . . . . . Are they another dodgey division of Mac Hall ??? (shudder) As they haven't stated what they want or are after yet (apart from my sanity and patience) what's the best letter/ avenue to take ??? (A statute barred letter ??) Thanks again my beautiful amigos And I was in such a good place this morning . . . . . even with a nasty cold

I'm also dealing with Lowell seperately and from what I know of them they'll hound me to my grave . . . At least I can laugh in hysterics at it all now, maybe I'm on the verge of going insane . . .

You've done me Cerberusalert, I was just looking for a template letter along the line of being in breach of the CCA request . . . . I like your letter though

I'm no expert but I am pretty sure if it's unsigned it's unenforceable, but I am sure others will back me up on this . . . Also if you sent the CCA request in July they are well over the default date to return it to you

Groovy, I'll have a little look now . . . I'm lucky that all of my debts are statute barred now, so being slightly twisted I'm enjoying writing to them, especially when I'm well informed . . . not the moral route I know, but it's feels so good when you know there is nothing they can do and you don't have to break down with every letter you get !!! Still don't stop them bugging me . . . . . . My mission is to get every single one to confirm in writing it's statute barred. Then I'm throwing a "and finally" party . . . to celebrate it all . . . had one party when I knew it was statute barred from the default dates on my credit file !!! I've got 3 in writing already . . . only about 4 more to go . . . one thinks

I already know the debt is statute barred and am sending that back in the morning. I was just trying to get some info on them you know to arm myself . . . lol. I am trying to figure out the food chain in my head

If they are writing to you Angry Cat is right they know who you are, you don't have to prove it !